Are you looking for instant loans? The Cashfloat team specialises in instant decision loans and money in your bank account within 1 hour of approval. We’re a direct lender with high acceptance rates. Apply now for your instant payday loan of up to £1000. Cashfloat is an FCA-authorised financial services company, and we welcome people with a bad credit score to apply for our short term loans too.


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Instant Payday Loans: How They Work

Instant cash loans are precisely that; funds credited directly into your account after a successful application. Sometimes known as payday loans, these types of payment plans are often used for emergencies, offering a little extra essential cash until ‘payday’. For example, to help cover the costs of household repairs, unexpected bills, medical care, or any other financial hurdle headed your way.


Due to their urgency, instant cash payday loans come with high rates, which means they should never be used for long-term monetary needs. Instead, we provide immediate solutions to alleviate short-term problems, with short term loans available from £300 to £1,000 for a duration between three and six months.



Instant Payday Loans: Bad Credit

Perhaps you’ve already applied for instant loan approval on one or more occasions, only to be rejected on account of your poor credit rating. Instant loans for bad credit, especially those provided by reputable money lending services, can be harder to come by, as many companies request a guarantor for those with too low a rating.

At Cashfloat, we understand that credit history doesn’t reveal the whole story, and we believe accessible loan options should be available to everyone. As a bad credit direct lender, we not only offer more opportunities, but we also treat our customers equally, imposing the same loan rates across the board, regardless of credit rating. On top of that, all our short term loans are unsecured. So, even with poor to fair credit, you may still be entitled to a money loan without securing a guarantor or collateral.


Are Instant Loans with No Credit Check Safe?

Instant cash loans in the UK rely on their speed to help customers with urgent financial hardships. However, no transference of money is actually possible without a credit check, that is, if the company offering their services adheres to the rules and regulations set out by the UK’s controlling body, the FCA (Financial Conduct Authority). If opting for a no credit check loan, the likelihood of getting involved in scams and accumulating hefty debts increases considerably.


Can I apply with a less than perfect credit score?

If you are worried that your poor credit will reduce your chances of short term loan approval, fear not! We are more concerned with your legitimate ability to repay the money than your financial history. Of course, we take your credit into account, but this is just one of several factors we consider as part of your request. If you’re still unsure, you can always enter your details into our online calculator to assess your affordability rating before starting your application.


What should I do if I can’t afford a loan?

Sometimes you may need that payday loan desperately. However, if you are struggling financially and know what you may not be able to afford the short term loan repayments, we do not advise you to apply for a loan. Various financial organisations offer free financial advice, like the money advice service and StepChange. When you apply for a loan, it’s essential to make sure that this is the right decision.


Apply Now even with bad credit!

Instant Payday Loans Direct Lenders

One of the reasons why we are able to deliver our response instantaneously comes from the fact that we are direct lenders. Unlike a credit broker, we do not pass information on to third parties and waste time finding you a financial backer. Instead, we process all applications ourselves and transfer the money to you directly. This not only speeds up the procedure, but it also means you know who you are working with at all times. No broker services only make things simpler.


How can I save money in order to avoid requiring instant loans in the future?

As a responsible lender, we encourage all our customers to put money aside, available in an emergency. Having savings to use in an emergency is a better solution than taking out short-term loans in the UK. In the Cashfloat blog, we have a huge range of articles on saving money and living a money-savvy life. Take a look at some of our articles for some great tips and begin living a life free of financial pressure.


When should I apply for instant loans?

An unexpected expense can come up from out of nowhere, and sometimes you may need that extra cash fast. Here are some examples when you might want to apply to borrow money:

  • You need money for emergency car repairs

  • Emergency home repairs such as plumbing problems

  • Emergency medical bills

  • Funeral expenses

  • Sudden income change


How to Apply

In order to apply for an instant cash payday loan, you must first meet the following requirements:

  • In accordance with the law, you must be 18 years old or above

  • You must be in employment with a regular income

  • You must be a UK resident with a UK bank account


As long as the above criteria are met, you can apply, free of charge, right this minute. There are no hidden fees, and total repayment amounts are shown clearly before processing. After submitting the application, you will receive a notification from one of our team members with our response.


Apply Now – get a fast loan!

If approved, you will receive your money directly and can log into your account at any time to view your payment plan. We aim to make repayment as easy as possible. We actively encourage our customers to repay their debt at their earliest convenience by only charging for the days that the short term loan is active. Unlike many providers who charge for early repayment, we do not. In fact, we want to promote ethical, economic transactions unspoilt by any hidden costs or small print.

Similarly, if you’re struggling to meet your payment date, just give us a call, send us an email or contact us via our live chat. We will be happy to discuss your options and perhaps offer you an alternative payment plan.

If unfortunately, your short term loan application is denied, all is not lost! We can still act as an authorised credit broker on your behalf. If you give us permission to do so, we will then search for a third-party lender authorised by the FCA to approve your loan. If your loan application was declined, we advise you to wait a few weeks before applying again. This is so that your application should not harm your credit score. Too many loan applications in a short amount of time can negatively affect your credit score.


Why choose Cashfloat for my instant loan?

Cashfloat have created a gold standard for fair borrowing in the UK. We are committed to higher acceptance rates and easy repayment terms. When applying for an instant loan with us, we look at much more than your credit file. We conduct affordability checks and look at your personal circumstances before approving loan applications. Our loan application process is smooth with no bumps or hidden fees.

Loans for bad credit, no guarantor, no fees, instant decision! Let Cashfloat unburden your financial load and set you on a path towards economic stability!



Instant Decision Loans Online

Cashfloat strives for a superior customer experience. We are transparent, reliable and will do everything we can to meet your needs. One way of achieving this ambition is to provide our customers with instant decisions. Waiting around for short term loan approval can create unnecessary surplus stress. With our bad credit online loans, the application process is straightforward and speedy.


After completing the online application, which can be filled out 24/7 and takes roughly three minutes in total, you will receive an instant decision. If approved, your money will be credited to your account the very same day, usually within the hour.



Representative example
Total amount of credit: £700
Duration of the agreement: 6 months
Repayment total: £1,179.05
Interest is Fixed at rate of 185.39% per year | Representative 611.74% APR
£168.45
Installment 1
£224.60
Installments 2 ‐ 6
£112.20
Installment 7